Who needs Las Vegas or Atlantic City when the real action is on your computer? And I'd say the odds of hitting on a high-flying Internet stock are roughly comparable to rolling your number in a game of craps, maybe even a little better."

You start by offering a "thin float," a tiny percentage of your shares. The scarcity drives up the price, especially because you're a dotcom. You then use the capital to pump up the business which will further inflate the share price. You focus on growth, never profit. Profit is for suckers. After a year or so, you dump your equity. By the time rational valuation kicks in, you're retired on your wine estate in Sonoma Valley.

Wealth, like a tree, grows from a tiny seed. The first copper you save is the seed from which your tree of wealth shall grow. The sooner you plant that seed the sooner shall the tree grow. And the more faithfully you nourish and water that tree with consistent savings, the sooner may you bask in contentment beneath its shade.